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Employment Practice Liability (EPLI) Application

Professional Liability Home




  • Industry leading broad "All Risk" coverage for violation of any state, federal or local civil rights or anti-discrimination law.
  • Prior Acts coverage
  • Vicarious Liability coverage for intentional acts
  • World Wide Coverage
  • Defense Outside the Limit coverage available
  • Third Party Discrimination coverage available


  • "Wrongful EMployment Practice" (e.g. workplace harassment, retaliation, failure to promote, etc.)
  • "Wrongful Termination" includes constructive discharge.
  • Includes Punitive Damage where allowed by state, up to policy limits.
  • "Pay on Behalf" basis with the insured having the duty to defend.
  • Available to policy holders on an unlimited basis at no additional cost:
  • - EPL Hotline staffed by employment practices attorneys and HR professionals.
  • - Access to web-based loss control/Human Resource services

Our Policy covers all employee types (i.e. full-time, part-time, independent contractors, temporary employees, leased employees, volunteers, seasonal).

Hehr & Associates, Inc. (HAI) offers a 24-72 hour quote turnaround time

  • Maximum Limits of Liability $5,000,000
  • Minimum Premium $1,000
  • Claims Made Coverage
  • Cover trigger for an incident likely to result in a claim

Target classes include the following:

  • Target risks with less than 500 employees
  • Rates are most competitive for firms with less than 150 employees
  • Very broad risk appetite, including accounts with claim activity
  • Auto dealers/Physicians/Lawyers
  • Miscellaneous manufacturing industries
  • Construction/contractors
  • Restaurants

We write all classes of business except governmental agencies, bars, night clubs and adult entertaiment facilities.

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